Krom Bank Maintains Competitive Deposit Rates Amid Growth Ambitions

Strategic Balance Between Growth and Profitability

Krom Bank Indonesia is continuing its strategy of offering competitive deposit rates ranging from 7% to 8.5% as part of its efforts to strengthen its funding base and attract new customers ¹

. According to Anton Hermawan, President Director of Krom Bank, the bank is maintaining a careful balance between offering attractive interest rates and maintaining healthy profitability through prudent risk management and strategic fund allocation.

Optimistic Outlook for 2026

The bank is projecting double-digit growth in both credit and profit for 2026, driven by positive industry outlook despite current external challenges ²

. Anton Hermawan stated that while factors such as global economic slowdown, commodity price fluctuations, and geopolitical issues remain concerns, the Indonesian banking sector is poised for growth. The bank's optimism is supported by the government's commitment to maintaining fiscal and monetary policy continuity, alongside the growth of productive and creative economic activities.

Risk Management and Strategic Focus

In maintaining high deposit rates while ensuring profitability, Krom Bank is implementing a measured approach to interest rate setting combined with careful credit disbursement strategies. The bank's management emphasized their focus on maintaining a healthy balance between growth ambitions and financial stability, ensuring sustainable performance in the long term.